Call or Text Philippe: (613) 318-6315
A 5-minute conversation could save you $5,000.
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Find the Right Tool for Your Situation
What best describes your situation?
I'll Help You Save Money
I work with top lenders to find the best rates for your situation, helping you save thousands over the life of your mortgage.
You'll Get Personalized Advice
Every client's financial goals are unique. I'll take the time to understand your needs and provide tailored solutions for buying, renewing, or refinancing.
I'll Save You Time
Don't stress about comparing lenders. I'll do the work for you - quickly and efficiently - so you can focus on what matters most.
I received excellent service. Philippe is very competent! Thank you so much.
Went above and beyond and secured the best rate for our new home in Cornwall.
Made my mortgage renewal smooth and hassle-free and secured a competitive rate. All my questions were answered quickly.
A 5-minute conversation could save you $5,000.
Looking for Something More Formal? Schedule a Free 15-Minute Mortgage Planning Session
Let's work together to create a clear plan for your mortgage - whether you're renewing, buying, or refinancing.
- ✔ Discuss your financial goals
- ✔ Answer your questions about rates, terms, and options
- ✔ Help you create a clear plan for your mortgage
It's quick, easy, and completely free!
Book Your Free 15-Minute ConsultationAccess to Ontario's Top Lenders
I work with a wide range of trusted lenders to find the best mortgage solution for your unique needs.
Frequently Asked Questions
Probably not without comparing first. Banks count on most people signing their renewal letter without shopping around. In many cases, I can find a rate that is significantly lower than what your bank offered, even at a different Big 5 bank. Try my free renewal comparison calculator to see what you could save, or book a free 15-minute call and I will review your offer with you. No cost, no obligation.
Answered all the questions I had regarding my mortgage renewal with ease. Provided me with the information needed to make a decision that works best with my situation without trying to upsell. Highly recommend.
It depends on your situation, your risk tolerance, and where rates are headed. Fixed rates give you certainty and stable payments. Variable rates have historically cost less over time, but they carry risk if rates rise. I will walk you through the current spread between fixed and variable, what the Bank of Canada is signalling, and which option makes sense for your specific circumstances. Book a quick call and we can look at the numbers together.
Your maximum depends on your income, debts, down payment, and the stress test rate set by the federal government. As a rough guide, most buyers qualify for about 4 to 4.5 times their gross annual income, but this varies widely. Try my free affordability calculator for a starting estimate, or book a 15-minute call and I can give you a realistic number with a quick pre-qualification - no credit pull required.
I am based in Vankleek Hill and serve all of Eastern Ontario, from Kingston to the Quebec border. That includes Cornwall, Hawkesbury, Alexandria, Casselman, Embrun, Rockland, Kemptville, Morrisburg, Winchester, Brockville, Smiths Falls, Gananoque, and the surrounding areas of Prescott-Russell, SDG, and Leeds-Grenville. I also work with clients anywhere in Ontario by phone and video call. See all the communities I serve.
Oui, absolument. I am fully bilingual and happy to work with you in English, French, or both. All of my services, consultations, and documentation support are available in the language you are most comfortable with.
For most residential mortgages, my services are completely free to you. The lender pays my fee when your mortgage closes. In rare situations involving private or non-standard lending, there may be a broker fee, but I will always disclose that upfront before you commit to anything.
Your bank offers only their own products at their own rates. I have access to top lenders and can compare options side by side to find the best fit. I also have no incentive to push one lender over another. My job is to find the mortgage that saves you the most money and gives you the flexibility you need. Want to see the difference? Compare your bank's rate against what I can find.